In the course of owning a business, customers may come to your location, or you may go to them. Both of these things open you up to a possible lawsuit should bodily injury, or property damage, occurs. Liability will cover you for these things, should someone get hurt on your premises, or you damage someone else’s property.

The cost of business insurance varies for Pennsylvania businessowners. To make sure you don't pay too much, request multiple insurance quotes from various carriers so you can compare coverages in addition to premium costs.

The easiest way to request multiple quotes is to work with an independent insurance agent that represents more than one company.

Every Pennsylvania business has different needs in regards to staffing, building size, policies, and insurance is no different. We recommend that every business consider general liability, commercial property, and worker's compensation to start.

If you offer professional advice including financial, accounting, or medical, it is also important to purchase professional liability insurance.

Regardless of the size, every business needs business income insurance. If there is a covered claim and you are unable to operate, you will still have your regular operating expenses. The mortgage company or employees will not care if the business is bringing in income. You want to be able to stay afloat while your business is being restored.

Care, custody, & control refers to tangible property that is not yours (the insured’s) but is in your possession. For example, for a garage owner it would mean a customer’s vehicle, or for a farmer it could be boarded horses owned by others.

When you run a business out of your home, it is important to check your homeowner’s policy. Most of the time anything that is business related is excluded, including property that is used in the course of your business. This would include things like a computer, office furniture, and any stock you may have in your possession. So if you unfortunately had a fire, none of those items would be replaced. It is important to have separate businessowners policy to provide coverage for your business personal property.